Unpack the REAL SIP you need for your golden years.
₹50,000 today won't buy the same later. In 20 years, you'll need ₹1.6 Lakhs/month just to match current buying power! Plan for inflation.
To get ₹90K/month (today's ₹50K adjusted for inflation) at 55, you need approx. ₹3.1 CRORES! Factor in SWR & life expectancy.
To build ₹3.1 Cr in 15 yrs, a regular SIP might be ₹70K/month. But a 10% annual Step-Up SIP can start at ₹30K/month. Start early!
Long-term (10+ yrs) goals need equity mutual funds (70-80%). Use flexi-cap, large-cap. De-risk with hybrid/debt as retirement nears.
Don't forget robust health insurance and a dedicated emergency fund (6-12 months expenses). Medical costs can drain savings if unplanned.
Unlock your retirement potential! Calculate your personalized SIP needs. Visit sipplancalculator.in for free tools and calculators.